Comparison

Jenius vs CashMinds

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

Jenius

Manage your finances and daily life with a single app. Access transactions, savings, credit, and investments all in one place. Enjoy features like virtual cards, rewards, and multi-currency support for seamless global transactions.

Highlights
  • All-in-one financial management
  • Visa debit and credit cards
  • Virtual cards for online purchases
  • Rewards and point redemption
  • Multi-currency support
  • Various savings options
  • Investment features
Read full description

The simple way to manage your life/finance with an app and Visa debit and credit cards.  More than 4,000,000 users have started to build a better financial life with Jenius.   Now you can access all of your financial needs, from transactions, savings, credit, investment to financial reports in one place without switching between applications.  Ready to start simplifying your life finance?  Download Jenius, register and activate your account in no time.  With Jenius main debit card and 3 additional debit cards, you can make transactions at various Visa merchants across the world. You will also have a virtual card for movies and music streaming services, games, and other online purchases.   Interested in awesome rewards? With fully online application, management, and point redemption, Jenius Credit Card has a lot of generous offers for easier point collection. Redeem points into travel miles, points, even e-Wallet balance in real time.  Lots of benefits are available to you in one place. Discover your free cash withdrawal quota, unlimited free transfers to other bank, Yay Points redemption, vouchers, and a variety of merchant offers in Your Rewards.  If you have plans to travel around the world, 9 foreign currencies (USD, SGD, JPY, GBP, AUD, HKD, EUR, THB, CNY) are available 24/7 at Jenius app. Link them to your m-Card for international transactions with no conversions.  For transactions, you can use:  - Jenius Pay: Pay for your online shopping with just your $Cashtag  - QRIS: Scan with Jenius for quick and easy payment option  - Transfer Money: Transfer to various accounts  - Pay Bills/VA: Pay all your bills with convenience, from internet, credit card, top up mobile credit, utilities zakat, and others  Want to save up? Find your own suitable savings options:  - Dream Saver: 5 savings to help you make dreams come true  - Flexi Saver: 3 flexible savings to allocate money  - Maxi Saver: Open as many deposits as you want from your smartphone  - Cash Cow: Special savings for cashbacks and your daily transactions  - Flexi Rasa Maxi deals: Locked savings for upfront cashback   Other features that you can use:  - Top up e-Wallet: An easy way to top up e-Wallet and e-Money GoPay, OVO, LinkAja, DANA, BNI TapCash, mandiri e-money, and ShopeePay  - Pay Me: Send money requests  - Split Bill: Easily split the bill  - Flexi Cash: Cash out your flexible fund for various needs  - Investment: Grow your wealth through mutual fund and bonds  - Moneytory: Get insight for your financial report 
 Just by paying Feesible (subscription fee) for only IDR10.000 per month, you can experience the simplicity of financial management with Jenius.  Jenius is a digital banking app and part of PT Bank SMBC Indonesia is licensed and supervised by the Financial Services Authority (OJK), Bank Indonesia (BI) and member of the Indonesia Deposit Insurance Corporation (LPS).  Find out more about this new way of banking at www.jenius.com and start a new, better life with Jenius.  #ThinkUnthinkable Head Office  PT Bank SMBC Indonesia   Menara SMBC – CBD Mega Kuningan  Jl. Dr. Ide Anak Agung Gde Agung Kav 5.5-5.6  Jakarta 12950  Website: https://www.smbci.com/id/tentang-kami/segmen-usaha/jenius

About

CashMinds

Manage your money effortlessly with an AI-powered personal finance tracker. Log expenses, income, and debts, set savings goals, and gain insights into your spending habits through clear analytics and a simple interface.

Highlights
  • Expense & income tracking
  • Wallet & account management
  • Budgeting & spending control
  • Savings goals tracking
  • Debt tracking
  • AI financial assistant
  • Statistics & analytics
Features
Read full description

CashMind is a smart personal finance tracker designed to help you manage money clearly and effortlessly. Track expenses, income, wallets, debts, and savings goals in one place while getting AI-powered insights about your financial habits. KEY FEATURES • Expense & income tracking Quickly log transactions and organize your finances. • Wallets & accounts Manage cash, cards, savings, and multiple accounts. • Budgets & spending control Monitor where your money goes and stay within your limits. • Savings goals Create goals and track progress toward important purchases. • Debt tracking Track debts, loans, and repayments without confusion. • AI financial assistant Get smart insights and financial recommendations powered by AI. • Statistics & analytics Visual charts and detailed spending breakdowns. • Multi-currency support Use different currencies for travel and international finances. • Clean and intuitive interface Minimal design focused on speed and simplicity. CashMind helps you build better financial habits and stay in control of your money every day.

Screenshots

Jenius4 screens
CashMinds3 screens

Verdict

The call

The clearest difference is review sentiment: CashMinds at 100% against Jenius's 38%. CashMinds also leads on rating (5.0 vs 3.5) and monetization model (free vs subscription). Jenius's advantage is ratings volume (124 vs 1). On price, ads, in-app purchases and device support there is nothing between them.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

ReceptionRating · Positive reviews · Number of ratings

CashMinds holds the better App Store score, 5.0 against 3.5. That said, the two scores are not equally well evidenced: Jenius has 124 ratings behind it against 1, so its average is the more settled of the two. Written reviews point the same way: 38% of Jenius's written reviews are positive against 100% of CashMinds's.

Scorecard4 real differences · 6 level
Jenius versus CashMinds: the parameters behind the verdict, then further details
ParameterJeniusCashMinds
PriceFreeFree
Rating3.5 (124 ratings)5.0 (1 ratings) — better
Positive reviews38.3% of reviews100.0% of reviews — better
Number of ratings124 — better1
Update frequencyWeekly—
AdsNoNo
In-app purchasesNoNo
MonetizationSubscriptionFree — better
DevicesiPhone, iPad, iPodiPhone, iPad, iPod
Requires iOS15.115.0 — better
Further details — not scored
Size190 MB4 MB
Age rating12+4+
DeveloperPT. Bank SMBC Indonesia TbkAlexander Ryndin

Customer experience

Jenius

All ratings124 ratings
Positive57.3%
Neutral10.5%
Negative32.3%
Written reviews193 reviews
Positive38.3%
Neutral9.8%
Negative51.8%

CashMinds

All ratings1 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews1 reviews
Positive100.0%
Neutral0.0%
Negative0.0%

Bugs and requests

Jenius

Reported bugs

12 issues
  • Login automatically logs out immediately after
  • PIN verification fails despite correct input
  • Session expires during PIN creation
  • Face ID/Touch ID recognition failures
  • App crashes when inviting users or accessing features
Show 7 more
  • Failed top-ups charged but funds not received
  • History and upcoming transfers disappearing
  • Credit card not working despite proper expiry dates
  • App crashes after device unlinking
  • Loading screens freeze indefinitely
  • Chat disconnects during customer service interactions
  • Balance deductions without successful transaction completion

Requested features

9 requests
  • Flexible device switching without excessive security barriers
  • Credit card visibility in app interface
  • Improved video call verification settings for KTP focus
  • Dark mode option
  • 1Password password manager compatibility
Show 4 more
  • Better clipboard paste functionality
  • Additional currency support (AUD)
  • Improved notification system for card activation
  • Simplified login process with multiple authentication options

CashMinds

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

Jenius

No in-app purchases

None

CashMinds

No in-app purchases

Questions

Is Jenius free?
Jenius is free to download, with no in-app purchases.
Is CashMinds free?
CashMinds is free to download, with no in-app purchases.
Which has better reviews, Jenius or CashMinds?
CashMinds is rated higher. Jenius averages 3.5 out of 5 from 124 ratings, while CashMinds averages 5.0 from 1 ratings.
Do Jenius or CashMinds have ads?
Neither Jenius nor CashMinds shows ads.

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